Completing Your Onboarding

Enter your full name, date of birth, city, marital status, and number of dependents. Your age is used to calculate how many years you have until retirement. Your city helps with cost-of-living context.

Enter your monthly take-home salary (post-tax). If you have other income sources (freelance, rental, etc.), add each one separately. FUMONEY uses this to calculate your monthly surplus. After onboarding, you can manage every income source — and see growth projections — on the dedicated Income page. See Tracking Your Income for the full guide.

Enter all your fixed expenses (rent, EMIs, subscriptions) and variable expenses (food, transport, entertainment). Be honest — over-estimating expenses is safer than under-estimating. Once you're in the app, the Expenses page splits these into Essentials and Lifestyle, surfaces your biggest variable spends, and shows your savings rate. See Tracking Your Expenses for details.

Add your current investments: EPF balance, PPF balance, mutual funds, stocks, real estate, FDs, and gold. For each, enter the current value and your monthly contribution (SIP). FUMONEY uses this to show your current corpus. For Fixed Deposits (FD), PPF, NSC, and similar fixed-term instruments, you can also enter the maturity date. FUMONEY uses this to alert you before auto-renewal so you can consciously choose whether to reinvest. On the Investments page you'll see your full portfolio with allocation vs. your risk profile, monthly SIP allocation, maturity alerts, and a 10-year projection. See Tracking Your Investments for the full walkthrough.

Enter all active insurance policies: term life insurance, health insurance, critical illness cover. For each policy, you can enter: • Policy Name (e.g., 'LIC Jeevan Anand', 'HDFC Click2Protect') — for easy identification • Sum Assured — the cover amount • Annual Premium — what you pay per year • Next Premium Due Date — FUMONEY will alert you 60 days before it's due so your policy never lapses accidentally • Coverage End Date — when the policy expires • Maturity Amount — for endowment or ULIP plans, the guaranteed payout at maturity All fields except policy type are optional, but the more you add the smarter your dashboard becomes.

Add all active loans: home loan, car loan, personal loan, education loan. For each, enter the outstanding principal, interest rate, remaining tenure, and the monthly EMI amount. This powers your debt ratio score.

Answer 5–7 questions about your comfort with market volatility and investment horizon. Your answers determine whether you are Conservative, Moderate, or Aggressive. This affects the recommended asset allocation shown in your Dashboard.